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We talk a lot about career strategy.
Build your skills.
Build your network.
Build your personal brand.
Be intentional about your career.
And all of these things matter.
But the more I experience life and career, the more I realise that a lot of it is also luck and exposure.
Kunle Elebute, former Chairman of KPMG Africa and Senior Partner of KPMG Nigeria, on the process to becoming a partner in KPMG.
He says you'll start by showing interest. Then you'll go and defend yourself in front of a small team. If you meet the metrics, then they'd put it forward for other partners to vote.
He was also asked to become West Africa and Africa KPMG Chairman.
Kunle Elebute, former Chairman of KPMG Africa and Senior Partner of KPMG Nigeria, on the best retirement advice an American partner gave to him.
The two important things in your life:
You must own the home you live in as at retirement and you mustn't owe a dime to anybody on that home.
The second most expensive thing you spend on is your children's education.
By the time you retire and you're not paying for these things, your home and dry . And any income you have afterwards is yours.
When Ecobank took over Oceanic Bank, the Oceanic staff discovered that we were calling one another by our first names in Ecobank. Our MD Funke Osibodu was Funke but not Mrs. Osibodu. They were coming from a background that they were calling Mr. Adetunji, Oga Deji, Madam Ibru, Dr. Clever…. So, they had to adjust. So, if it is Mrs. Cecilia Ibru who is cautioning that lady, I may not have any issue with it. No issue because that is what she encouraged in the institution that she ran in Oceanic Bank. Majority of Nigerians who will be contributing on this discussion online will definitely not know this truth. They will not know because most of them were still in primary school or still crawling in the 1990s when Tony Elumelu and his other ‘cow boy bankers’ came to the corporate world at their tender ages. Elumelu became MD of Standard Trust Bank, STB in 1997 at age 34. Other guys who floated GT bank and Access Bank were also in their 30s. They could not do the work alone so they had to recruit staff into their Banks. They discovered that the experienced people that they were hiring were in their 40s, and 50s. They found it ridiculous to be calling their staff Mr. Lagbaja and Mr. Tamedu. They had a complex, giving instructions to someone older than them. To conquer the complex, they introduced the idea of calling all staff by their first names. It levelled the ground for everybody. Mr. Daramola Oladeji at 44 is now addressed as Deji, Mrs. Oluwole Olufunmilayo with 3 boys in the university at 48 was being called Funmi at work and she must answer. They were the one who came to destroy the work place ethics in order to satisfy their ego and help them manage their complex.
One good thing about it I must confess is that it makes you freer to relate with your colleagues without any age barrier to the overall benefit of the organization. In Ecobank during the general staff meeting which we call village meeting, you will hear people saying ‘Funke’, I have been raising my hand since and you have not given me chance to talk … that is the MD that that they are addressing. Even at that, if I am to travel with the MD to Abuja on the same flight and I want to ask her which airline to book, i will enter her office and say ‘Funke admin is asking me which airline should they book for our journey?’ Do you know that on that flight, I will carry her bag, as a mark of respect. If another big Oga is with us on the trip and we reach our destination and he ask ‘ Deji what are you doing, you are delaying us’; Do you know I can tell the Oga without any fear, "I am waiting for the conveyor belt to bring Funke's bag, but it has not come" meanwhile, the person i am calling Funke is the owner of the bag I am waiting to collect oooo.
I have gone this far to let you know that even in the midst of name calling, we used to give honor and regard to one another but not openly like they do in some other places. That girl knew which environment she was coming into. She knew people were being called and addressed by their first names. They were tutored along this line in the training school. Those who violated the policy were given penalized
She will do d same in an Access Bank. She will do it in GT and Ecobank and she will not be reprimanded. I had an Oga that came from Afribank of old to join us in Ecobank. When he would address our Group Head, he was always being fined N1,000 in those days. He would say ‘Excuse me, Sir’, here is a fine of N1,000. Mr. Lagbaja sir, another N1,000 fine but when he calls our Group Head by his first name, our group head will say ‘Yes, i am listening’. The other man was coming from a background where the culture was different from the new place he found himself.
Money has come; age has also come. Tony is seeing that lady as age mate of his own girls of yesteryears who have equally become ladies now. He and his friends who were underaged bankers were the promoters of this culture in the banking industry.
Your employer is not your family.
Your family does not lay you off when Q3 numbers miss.
Love your job. Do great work. Build relationships. But keep your resume updated, your skills sharp, and your network alive.
Loyalty is a two-way street. If they can replace you in two weeks, you should be able to replace them in two weeks.
Train your brain!
Solutions ONLY!
That’s it.
No romanticising problems, no marinating in what doesn’t work.
If it looks sticky, stuck, locked, or problematic, your brain gives you a quick plan to solve it.
Immediately.
A guy resigned from his job last month.
His manager tried 4 different tactics to keep him. He said no to all of them. Then the MD called personally with a 5th.
What happened next is why he is glad he documented everything.
@Ogegottweets@Nnewi300@thegreatdeejah He's actually right, with most govt jobs the idea of entry level is different from the private sector a fresh graduate getting an admin officer role in a MDA is automatically a senior staff.
‘I don’t want problems’
‘I want to keep the peace’
That's why they are walking all over you.
The peace you are keeping was never on the table.
You are smiling with rattlesnakes that are ready to bite at the slightest slip-up.
You need to be firm.
You need to create and hold up your boundaries.
You need to read about manipulation and sense it from a mile away.
They are playing chess; you are playing checkers.
All the best.
Create your own economy.
If you don’t know how, please go and learn the ‘how’.
Do not work hard for years and years only to still worry about money when you should be retired.
All the best.
Relocate out of Nigeria. No. Fear of the unknown
Marry. No. Fear of the unknown.
Start that new industry. No. Fear of the unknown.
Make new friends. No. Fear of the unknown.
Change that job. No. Fear of the unknown.
Do not let the unknown variables hold you back in life. Go for it. Break new frontiers.
Can’t you see that fear of the unknown is holding you back.
Here is a truth nobody tells you early enough.
The real reason to chase more money is not the cars or the clothes.
It is time.
Money, spent wisely, buys back your hours.
That washing machine gives you back a Saturday morning.
The dishwasher hands you an extra hour with your kids.
A good fridge lets you cook once on Saturday and eat well all week, instead of standing over a pot every single night.
Hiring help for the tasks that drain you is not laziness. It is buying back your one life, piece by piece.
So do not just work to afford things.
Work to afford time.
Time to sleep. Time to rest. Time to be happy. That was always the point.
During my postgraduate days at UNILAG, there was this guy who would always drive to lectures in his 2004 Toyota Corolla. He worked with FAAN.
Whenever exams were approaching, he would always want to borrow my notes and make photocopies because he liked the way I structured it. I had a way of highlighting important points and adding side notes, some of which would later turn out to be likely exam questions.
We had this particular course he had been battling with. At that point, his mindset was simply to write the exam, pass somehow, and probably end up with an E.
So I picked him up. We would have WhatsApp voice calls while going through the course materials together. We did it consistently, and we both ended up with an A.
He would usually tell me that if I ever needed anything, I shouldn't hesitate to let him know and that he would come through for me. Most times, I ignored the offer because I was also doing fine on my own.
About two years after our master's programme, I had a cousin who had graduated for years but was still struggling to secure employment. He had twice gotten a fully funded scholarship in the US and was denied visa twice. He also tried Australia and was denied three times.
He eventually gave Belgium a shot, got admission, and was required to present a blocked account, meaning he needed to show proof of a certain amount of money in a Belgian account. The amount was approaching €13,000.
He had nothing, and his resumption deadline was fast approaching.
He reached out to me. Even though he had never told me about his plans to travel, I decided to do everything I could.
I reached out to two of my friends in the UK, but they couldn't help because they were still trying to establish themselves t ground. I also contacted someone in the US who was on a fully funded scholarship. He told me his monthly stipend wasn't even up to $2,000 and that, after paying rent, he had less than $300 left.
Then something told me to reach out to my old master's classmate from UNILAG.
I narrated the situation to him. He asked me straight up, "How much do you need?"
I told him we needed €14,000 in a Belgian account.
He asked, "Will that be enough?"
The next day, he provided €14,000.
A few weeks later, my cousin's visa was approved. While he was heading to the airport, my same friet also gave him ₦2 million in cash, this time, a gift.
Today, my cousin has emmigrated to the US, happily married to an American woman who is also a scholar like him. They now have two children.
I have also become his go-to person for almost every thing he needs done in Nigeria. When he bought his first home in Maryland, Mende, Lagos, I was the one who went for the inspection, received the funds in my account for a Duplex, and handled the closing deal for him.
There is hardly anything I need today that my cousin wouldn't go the extra mile to do for me.
Life has a funny way of bringing people back into your life.
Sometimes, the person you think you are helping today may become the person who changes your life tomorrow.
Never underestimate the value of being genuinely useful to people.
Be useful. Be kind. Build genuine relationships. You never know when life will bring the same person back to you in a different season.
Let's talk about the Zenith Bank story going around.
There's a lot of fear, but not enough facts. Here's exactly what happened, and more importantly, what it means for YOU as a customer.
Zenith Bank confirmed some customer contact details - emails and phone numbers - were accessed without authorization. That's the full scope. But here's the part everyone's skipping past...
NO money was touched. NO account numbers. NO passwords. NO PINs. Not one naira moved. This wasn't a breach of your funds - it was exposure of contact info, and that distinction matters a lot. Let me explain why.
This wasn't even a "Zenith-only" problem. The bank says it's linked to a bigger, global cyber-attack hitting multiple organizations right now. Nigeria's CAC, Sterling Bank, and Remita have all faced similar incidents this year. This is an industry-wide storm.
Zenith's Reaction:
The moment they discovered it, they activated incident response protocols, brought in cybersecurity measures, and kept every digital channel running. Your app, your ATM, your transfers, all working normally throughout.
Here's the only real risk now:
Scammers using this news to impersonate Zenith. If anyone calls or texts you, asking for your PIN, password, or OTP "to verify your account" - that is not the bank, that is a criminal. Zenith will NEVER ask for that.
Bottom line:
Your money is safe. Your login details are safe. The bank responded fast and has been transparent. Stay alert, ignore suspicious messages, and don't let panic do what the hackers couldn't.
Retweet this thread because someone on your timeline is panicking right now over something that didn't even touch their money. Let's calm the fear with facts. 🙏
Chase the skills that do not expire.
Persuasion, clear writing, selling, reading people, staying calm under pressure. The tools change every few years and the platforms die. These have quietly paid off for centuries and will outlast whatever is trending now.
@SprightlyCFC I wonder who the starters at Chelsea would be, asides Colwill and Lacroix, I can't say any of the guys are better than Chalobah on any given day. The business does makes sense though